Hello, I had my first credit card in 26, and I had 13 credit cards at the peak, and I obtained the certificate of national financial planner in 29. Futures Xiaochu feels qualified to answer your question.

first, let's talk about the concept of credit card. Refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment will be made on the billing date. Simply put, a credit card is a short-term unsecured credit loan.

secondly, let's talk about the classification of credit cards. Puka-Gold Card-Platinum Card-Diamond Card

1. Puka: Generally, everyone can apply for a Puka, and the annual fee can be waived by swiping the card several times. The quota is also increased bit by bit according to your consumption repayment. Most routines are to give you a quota first. If you keep good use after using the quota, it won't take long to convert it into a fixed quota.

2. The gold card has a gold face, and the approval is relatively stricter than that of the ordinary card, so the benefits it enjoys should be good, and the quota is generally 1w~5w to 5 W. The approval threshold of the gold card is raised. Besides the higher quota, it can also enjoy a variety of value-added services, and the annual fee is relatively high, but it can be exempted if there is an opportunity.

3. Platinum card: Value-added services such as VIP at the airport and free rescue can improve your quality instantly. Platinum card is more strictly audited, and requires asset certificate or deposit certificate, which is easy for people with an annual income of 2W+ good credit.

4. diamond card: a symbol of generalized status of successful people, which is certainly higher than platinum card. The general quota is one million, and you also need your qualifications to prove that you are worth it.

Black cardholders are called unlimited cards, and they can go anywhere

Third, how do ordinary people who apply for a credit card for the first time apply for a credit card?

according to the futures Xiao Chu's own experience. It is recommended that private banks, China Merchants Bank and Ping An Bank be the first choice for the first application.

Because the audit conditions of China Merchants Bank and Ping An Bank are relatively simple, the card can be checked and issued quickly. There are also many discounts on China Merchants Bank Card. Nowadays, many people are involved in insurance, and Ping An Credit Card can be issued for free.

after the first credit card comes down, it will be used for several months. Then apply for credit cards from ICBC and CCB, which are large state-owned banks with the best credit cards.

ICBC credit card is the first bank to introduce free withdrawal of overpayments and not fully collect late fees. It is more convenient and quick to increase the credit card limit of CCB.

thirdly, it is recommended to apply for advanced cards from China CITIC Bank and Minsheng Bank. CITIC Bank's gold card is fast, the threshold is low, but the quota is low. Minsheng Bank's platinum card threshold is relatively low for all banks.

if you have a platinum card of Minsheng bank, you can apply for a card to handle other banks' credit cards.

However, Xiao Chu reminds everyone to spend reasonably and use credit cards reasonably.

I have a credit card of ETC, which is the credit card of Agricultural Bank. Car owners are still quite easy to use, ETC is convenient to pay, and there are often preferential activities such as refueling and car washing.

It is suggested that one credit card can be issued for the four major state-owned banks of China Agriculture, Industry and Construction, because when many small banks apply for credit cards, if they have credit cards from the four major state-owned banks, the approval amount will be higher and the difficulty will be less.

In addition, there will be more preferential activities for Guangfa Credit Card and China Merchants Bank Credit Card, and one or two can be held appropriately.

At present, Alipay Flower Bank and JD.COM White Bank are convenient, which can support most online shopping, and also have an interest-free period of about one month. Therefore, it is recommended that ordinary people do not apply for too many credit cards. The current economic situation is not very good, and it is best not to spend ahead of time. Moreover, overdue credit cards have an impact on credit reporting, which will affect work and loans in the future.

Credit cards of joint-stock banks such as China Merchants Bank and Shanghai Pudong Development Bank are recommended, which have the advantages of more consumption concessions, more discount promotions and a larger amount.

I worked as a credit card salesman for one year before, so I can talk about my feelings. At present, 13 national commercial banks issue credit cards, and some local banks also issue credit cards. Relatively speaking, local banks are still relatively small, with fewer cardholders, insufficient coverage of bank outlets, less merchant activities of credit cards, and quite a few local banks are chicken ribs. Therefore, local banks are not recommended.

among the 13 national banks, China, industry, agriculture and construction are the strongest. As for a series of credit card activities, ABC points can be directly deducted from orders placed by the US delegation (1, points will arrive in 1 yuan), CCB often has sign-in activities, which will directly reward credit card payment, and ICBC points are of relatively high value (about 6 points are equivalent goods in 1 yuan).

You can choose according to your usual consumption habits. If you have a car, you can apply for the corresponding owner's card, and you will have the right to refuel and free car washing.

it's not which bank's credit card is good, but which bank's credit card is suitable for you.

If you have a job, you can first apply for a credit card at your payroll bank, and then make good use of your credit card. If you use it well, you can raise the amount in about 3 months. When your credit card limit is raised to 5,, you can apply for another bank's credit card by using a card, and the credit limit of your first card will be almost the same. If you apply for three more credit cards, Plus the first credit card, there is almost a limit of 2,. Then, when these credit cards are well cared for, there will be a credit card loan behind each card, and the maximum loan amount can reach 3, to 5,. Moreover, some banks can also apply for large installment cards that do not occupy your credit card limit. The credit limit of installment cards is generally 2, to 3,. If you use your credit cards well, these installment cards will be easily approved. Therefore, credit cards are used well.

If you don't pay your salary, you can apply from which channel according to your Alipay or WeChat. If you don't know, then I suggest that you apply for a China Merchants Bank credit card with your first credit card. You can deposit some money in China Merchants Bank first, then buy bank wealth management, walk around the bank, apply after a while, and you can get off the card soon. Moreover, the credit card of China Merchants Bank will be withdrawn quickly, and the full amount can be raised in 49 days at the earliest.

So, as long as your personal credit information is well established, the credit card and the loan behind the credit card can basically solve your financing needs, provided that the credit is well established in advance, instead of cramming when there is financing demand, it will be too late!

no credit card will collect all the advantages, and whether it is good or not depends mainly on your consumption scenario.

I have five cards myself. You can refer to my card experience before choosing. 1. I love good food.

My first card is China Merchants Bank's credit card, and China Merchants Bank's "5% discount" on Wednesday is believed to be the most familiar activity for many foodies. You can not only enjoy high-quality food, but also enjoy huge discounts and save money. There was a joke that "if you use China Merchants Bank credit card, you will be sorry for China Merchants Bank if you don't gain weight". If you like food, China Merchants Bank is the first choice. 2. I prefer a large amount.

I have a credit card with a fixed amount of 1,. I think a large amount can not only prove my good qualifications to a certain extent, but also play a more important role when I need capital turnover. If you also like large credit cards, you can choose commercial banks to handle credit cards. The credit lines of the four major banks (ICBC, BOC, ABC and CCB) are generally not too large.

the above is my credit card demand, but everyone's demand for credit cards may be different. If you use a lot of cars, you can apply for a car owner card; There are many business trips, and you can apply for a high-speed rail card; Whether there is an annual fee, whether it can be reduced or exempted, etc. Summary: Qinyuan believes that the starting point of using credit cards should be to facilitate life and improve the quality of life. Never squander blindly, just to satisfy your own selfish desires.

You can live without a credit card.

You can do that, but don't do too much, because it's hard to advance when you swipe it, and it's difficult when you return it. Don't spend beyond your power.

Ordinary people can be divided into two types, one is those who have a credit card, and the other is those who don't. You can choose a card according to your own situation.

what qualifications do you have? Have you paid the insurance provident fund at work, have a car or a house? Generally speaking, if you are a white household, you should start with several commercial banks, such as China Merchants Guangfa, and then go to other banks. Other types of cards are gradual, and Buddhism plays with cards.